Financial insights of CWBC

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	159,889
Interest on deposits in other banks	4,178
Taxable	16,481
Exempt from federal income taxes	5,162
Total interest income	185,710
Interest on deposits	42,631
Interest on short-term borrowings	3,308
Interest on senior debt and subordinated debentures	3,591
Total interest expense	49,530
Net interest income before provision for credit losses	136,180
Provision for credit losses	3,754
Net interest income after provision for credit losses	132,426
Service charges	2,028
Interchange fees	1,948
Appreciation in cash surrender value of bank owned life insurance	1,497
Federal home loan bank dividends	960
Loan placement fees	844
Gain on proceeds from death benefits	198
Net realized (loss) gain on sale and disposal of equipment	-40
Net realized losses on sales and calls of investment securities	-41
Other income	3,094
Total non-interest income	10,488
Salaries and employee benefits	49,841
Occupancy and equipment	11,430
Information technology	7,137
Data processing expense	3,160
Professional services	2,390
Regulatory assessments	1,994
Atm/debit card expenses	1,589
Amortization of core deposit intangibles	1,002
Advertising	929
Directors expenses	912
Loan related expenses	839
Merger and acquisition expense	798
Personnel other	313
Other expense	8,052
Total non-interest expenses	90,386
Income before provision for income taxes	52,528
Provision for income taxes	14,360
Net income	38,168

Basic EPS	2.01
Diluted EPS	2
Basic Average Shares	18,996,714
Diluted Average Shares	19,069,289